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Loan/remortgage/equity release??
Hi, I'm looking at options to raise money to convert my current property in two property's, then sell one and live in the other, using the sale of the property to pay off outstanding mortgage and 'loans'. I'm looking at needing around £150k but won't need all of that money up front. I can't really afford the repayments on…
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Student loan plan 1&2
Hi, I'm on plan one of my students loan as I started uni in 2007/08. However, I'm starting my teacher training in September so that would be plan 2. My question is when I start repaying how does it work? As I'll have 2 different plans. Thanks in advance!
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Deed Of Assignment for sale of a debt
Hello Is anyone able to offer me advice. I have done the 3 letter process to a company that has bought my debt from a short term loan company. I have got as far as letter 3, they have sent me all agreements that I made with the original company however are saying that they cannot send me a copy of the Deed of Assignment…
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Picture Financial Services
I took out a loan secured against my house with Picture Financial Services which went into liquidation many years ago. I paid off the loan in full but don't have the paperwork stating this. I am trying to move my mortgage into my ex husband name (with his full agreement) but they won't let me because they have no proof of…
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Amigo Loan is refusing to pay out
Hello, I complained to Amigo Loans in November 2019 for irresponsible lending. I was a student and could ill afford to repay it. The stress of it affected the bond I had with my son whom they stressed out and me as well with constant threats so much so that I took my complaint to the financial ombudsman who said that…
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CCJ Set Aside Order - Help with Defence Needed
I discovered a default judgement on my credit report in January 2020 for £471 (CCJ dated 04.06.2018 from Motormile Finance/Moriaty Law), this judgement was linked to an unknown and unassociated address. The debt was a Payday loan from 2012 and the Co were advised of my current address at that time (same address at time of…
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Guarantor loan reclaims
Hi everyone, Could anyone answer a quick question for me please? I recently seen the new advice regarding mis-sold guarantor loans and when I went to use the tool to help my lender wasn’t listed there (1plus1 loans). does anyone know if they fall under this?
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Bank Transfer
Hi My friend has transferred me £15k for a bet that he put on for me he transferred it today how long would it take for me to receive it
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Equity Release - Ex local authority leasehold property
Equity Release for over 60s on ex local authority property: I am trying to find out about Equity release for over 55's on my flat which I bought from Lewisham council as leasehold. I am discovering it is very hard to find any lender who will do equity release on either: ex council (despite it being in zone 2 and very close…
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PCP issues after death
I am posting for a family member who lost her young husband to COVID 19 on April 12th, his car was on a PCP he died intestate with no estate (no life insurance so she is left with a large mortgage). Barclays Finance have acknowledged she is not liable for the debt and it has been passed to their agent Phipps-Cohen who have…
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VWFS Mis Selling Claim
Hi, This is my first post and I have one eye on my rampaging toddler so please excuse me if I am unclear or not explaining myself well. I am just in the process of starting a Mis Selling claim against VWFS and I am *amazed* at how uncooperative they are being. It's like they deliberately misunderstand anything you say and…
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Bank Manager Override loan decision
Hi Everyone My first time to post on this site , as there is a wealth of information on here just thought I would ask a question hoping for some pointers , one can only try 🙂 My situation , I am currently employed full time working from home , been with my employer 6 years and i am not furloughed, been with my bank 4 years…
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Car finance
Hi, My car finance agreement runs out shortly. Is it better to trade in for new model and probably increase monthly payment slightly ( prefer not to) or get a bank loan to pay off the remaining 2500 and keep it? 2016 car, 40000 mileage excellent condition and I like it. If loan, any suggestions for cheapest over 3 years?…
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Loan & impact.....
Hi all. I hope you’re keeping well. In March I’d been contacted by the bank as I had two large overdrafts (both £1600) alongside a monzo OD of £400. I had these for a few years. I was moving around as a nanny and although I was earning a decent wage I stupidly just lived in the OD’s. Due to the new OD changes, My bank…
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Black Horse Finance Car
Hi, First post! My mum kindly took out some finance for a car with Black Horse about 3 years. Unfortunately, she died about 5 weeks and I kept the car which I still have. Their is still about 2 years left to run on it. Where do I stand on the loan & giving the car back
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should i get a student finance maintenance loan even though i don’t need it
i’m due to start uni this september 2020 i was very fortunately offered a £10,000 bursary for each of my years of study (totalling at £30,000 across the 3 years). So i initially decided i would use this for my living costs so i’ve only applied for the tuition fee loan not the maintenance loan. However i wondered whether…
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Everyday loans early settlement rip off!
Hi all. I'm just wanting some advice on whether there is anything I can do with regards to my early settlement figure. So some background: Took out a £4200 loan last year. 36 months @ 289.70pm (total repayable 10429.20) I have made 14 payments so far, totalling 4055.80. I calculated that based on my loan amount, total cost…
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Car finance change
Hello girls and guys! I will share my short story and I would like your advise if I can do this. I've just ordered over a month ago a new car, factory order, for delivery in September/October and we agreed over the phone for a PCP, I just sign a proposal for finance to see if the company will accept my application . Now…
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Finance interest query
Hi All, Newbie here so please bear with! Recently I purchased a dishwasher using AO finance. I didn't need the item till end of June, so set delivery for then. I got an email RE:Statement from the finance provider. I logged in and noticed I had a current balance showing. I dropped them an email to query when interest will…
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Starling BBL / Why are banks dragging their feet?
I've been on waiting lists with 3 banks; HSBC, Starling and Tide. I meet all the government criteria. I feel like I'm being punished for using challenger banks, as I'd closed up my previous bricks and mortar accounts previously. All of them have different excuses; we'll process people on the waiting list sequentially, then…
